Step-by-step:
Open Your Comdirect Girokonto
Comdirect keeps no branches, which means no ticket queue and no German-only paperwork across a counter. The part expats miss until month four: the account is free only while you meet one of four monthly conditions, and there are three tiers to choose between on the way in.
Reviewed by Oliver Frankfurth (Bankfachwirt IHK) · Updated September 2026
Go straight to the application →Quick answer
To open a Comdirect Girokonto you need a passport or EU ID card, your German address from the Anmeldung, and about ten minutes for the online form. During the application you pick one of three account models: Aktiv stays at €0 a month as long as you meet one of four monthly activity conditions, such as a regular salary payment. Identity verification runs by video call; the free Visa debit card arrives by post a few days later.
Updated September 2026
From first click to card in hand
The form takes about ten minutes. Card and PIN reach your mailbox inside a week, and you never set foot in a branch.
Fill in the online application and pick your tier
Fill in the online application and pick your tier
Comdirect folds the tier choice into the same form, so settle it up front: Aktiv (free with active use), Extra at €2.90 a month, or Plus at €9.90. Type in your full name, nationality, date of birth, and the flat address on your Anmeldung, set a username and PIN, then submit. Your IBAN shows on the very next screen.
Tip: Keep a passport or EU ID, your Meldebescheinigung, an email address, and a German mobile number within reach before you open the form. Applied without an Anmeldung yet? Comdirect lets you proceed and asks for it later during the identity check. One box in the form decides whether you qualify for the cashback offer: tick the consent for Commerzbank marketing emails. Cancel that consent inside your first 3 months and the payouts stop.
Save every confirmation email
Save every confirmation email
Four emails land right after you submit. One carries the account confirmation with your IBAN, one holds the IDnow reference number for your video check, one bundles the pre-contract paperwork, and one is the order confirmation. You need all four for the steps below.
Tip: Nothing after five minutes? Look in the spam folder. Copy the IDnow reference number somewhere safe on its own, because losing it drops you back to the start of the verification queue.
Verify your identity with IDnow VideoIdent
Verify your identity with IDnow VideoIdent
Comdirect runs identity checks by video only. There is no PostIdent option and no counter to walk into, because the bank holds no branches. Open the link from your email, or the IDnow app, and join a five-to-ten-minute call. Hold your passport or EU ID to the camera and answer the agent from your kitchen table.
Tip: Face a window rather than a lamp; daylight reads far better on camera. If your laptop microphone is weak, plug in a headset first. Poor audio sinks roughly one in ten first attempts on its own.
Switch on photoTAN
Switch on photoTAN
The morning after your identity clears, Comdirect unlocks photoTAN. Download the app, sign in with your participant number plus PIN, then scan the activation image on screen. From that point every login and every transfer needs a second factor from your phone.
Tip: Activate inside the three-hour window the unlock email gives you. Miss it and Comdirect posts a paper activation letter instead, which adds three to five idle days to the wait.
Wait for the card PIN
Wait for the card PIN
Your PIN travels by post in its own envelope, usually two or three days ahead of the card. Comdirect issues a Visa debit card rather than a Girocard, so the card you get works at millions of Visa terminals worldwide. A handful of small German shops still take Girocard only, which you can add for €1 a month if you often pay at bakeries or Wochenmärkte (open-air markets).
Tip: File the PIN in a password manager the day it arrives. The moment the card follows, load it into Apple Pay or Google Pay, because 3 mobile payments a month are the simplest way to keep the account free.
Activate your Visa debit card
Activate your Visa debit card
The card reaches you four to seven days after the PIN. Tap your first contactless payment, or run it through any ATM with the PIN, to switch it live. From then on it draws cash at every machine carrying the Visa sign, in Germany and abroad: 3 withdrawals a month at no charge on Aktiv, 5 on Extra, no ceiling on Plus. Each withdrawal past your allowance costs €4.90. New customers who apply by 18 October 2026 also earn cashback on that card. Comdirect pays 5% back on purchases at shops and online stores, counted on up to €1,000 of spending a month. That caps the credit at €50 a month across your first 3 months, €150 in all, and the payouts land on your account on banking days. Cash withdrawals, wallet top-ups, and crypto stay outside the offer, so a month without card purchases earns you nothing.
Open Your Account Online
Since 2014 we have walked more than 10,000 expats through opening a German account. Here is the Comdirect application from first click to activated Visa card, plus the fee conditions and tier trade-offs the bank tucks into the fine print.
Open Your Account Online →What expats ask us after opening a Comdirect Girokonto
Which tier fits an expat: Aktiv, Extra, or Plus
Start with Aktiv. It costs nothing in any month you use the account actively, comes with the free Visa debit card, and covers 3 free ATM withdrawals a month, which is plenty for most people. Extra runs €2.90 a month and adds a Visa credit card plus 5 free withdrawals. Plus sits at €9.90 a month with unlimited free withdrawals and a travel-insurance package, worth it only if you fly often enough to lean on the cover. You can move up or down between tiers later, so nobody needs the expensive one on day one.
How to hold the account at €0 a month
The account is free every month you clear one of four conditions. The first is at least €700 landing in it, and salary, pension, and BAföG all count. Next come 3 Apple Pay or Google Pay payments, or one securities trade plus one savings-plan run in a linked Comdirect Depot. The last one covers account holders under 28 who are studying, at school, in an apprenticeship, or on an internship. Clear none and the month costs €4.90. The mobile-payment route is the one most expats lean on: 3 coffees paid from your phone over the month keep the fee off, whether or not your salary runs through the account.
Free cash: which card gets you what
Your free withdrawals sit on the Visa debit card, and they work at any machine showing the Visa sign, at home or on holiday. You get 3 a month on Aktiv, 5 on Extra, unlimited on Plus, then €4.90 for each further one. Cash Group ATMs do pay out without any monthly ceiling (around 5,000 of them, at Commerzbank, Deutsche Bank, HypoVereinsbank, and Postbank). They read the girocard only, though, and Comdirect bills that card at €1 a month. Cheapest route when your allowance runs out: take cash at the checkout of Rewe, Penny, Aldi Süd, or Lidl while you shop, which plenty of expats never realise is an option here.
Cash deposits and the parent-bank safety net
Comdirect is a Commerzbank brand, which quietly solves the classic direct-bank headache of paying cash in. On Aktiv and Extra you pay notes in at Commerzbank ATMs 3 times a calendar year for free, then €4.90 per deposit; on Plus it stays free with no limit. The same parentage puts your balance under German statutory deposit protection up to €100,000, and Comdirect answers to BaFin and the ECB like any German retail bank.
Park your buffer in the included Tagesgeld PLUS at 1.75%
Open the Girokonto and a Tagesgeld PLUS savings account comes with it, paying 1.75% a year on instant-access money for 12 months; the standard 0.75% p.a. follows. Your rent buffer, your tax reserve, the few thousand you keep for emergencies: none of that earns a cent sitting in the current account. Sweep it into the Tagesgeld PLUS and move it back the day you need it. Same login, same app, same €100,000 protection.
When Comdirect is the wrong first account
Comdirect runs on self-service. Support sits on the phone and in chat, mostly in German, with limited English hours, and there is no branch to visit when a fee letter confuses you. If you are still finding your feet in German and want someone across a desk, a branch bank like Commerzbank or a Sparkasse (public savings bank) makes a calmer first account. You can switch to Comdirect once German banking feels less foreign.